Paycheck calculator for New York
Understanding your New York paycheck
When it comes to your New York paycheck, understanding the ins and outs of federal income taxes and FICA taxes is a must. After all, these taxes make up a significant portion of your hard-earned money. Federal income tax rates are progressive, increasing as your income does. On the other hand, FICA taxes are deducted at a flat rate.
High-income earners should note that for those making over $200,000, an Additional Medicare Tax of 0.9% kicks in, bumping the Medicare portion of FICA taxes from 1.45% to 2.35%. However, the Social Security portion remains at 6.2%.
Marital status and pre-tax deductions are important factors that can impact your take-home pay. Contributions to retirement accounts reduce your taxable income, which leads to lower taxes.
There’s more to consider in the Empire State than just federal taxes. New York has a progressive state income tax system, with rates ranging from 4% to 8.82%. A “tax benefit recapture” supplemental tax may also apply to high earners, gradually phasing out certain tax benefits.
If you work in New York City, you’ll also face local income tax. The rates range from 3.078% to 3.876% depending on your income level, adding an extra layer of tax complexity to your paycheck.
New York also has a state payroll tax called the Employer Compensation Expense Tax (ECET), which employers rather than employees pay. This tax is aimed at alleviating the burden of the federal cap on state and local tax (SALT) deductions for businesses.
State standard deductions and exemptions play a role in determining your taxable income. In New York, standard deductions vary by filing status, while personal exemptions are available for taxpayers, their spouses, and dependents. These exemptions can help lower your overall tax liability.
Finally, post-tax deductions may be a part of your New York paycheck. These include deductions for life insurance premiums, union dues, and charitable contributions. While they don’t reduce your taxable income, they can still help you budget and save.
Calculate your New York paycheck
Calculating your New York state income tax is similar to the steps we listed on our main paycheck calculator page:
- Determine your gross income
- Annual salary
Annual salary = Gross income - Hourly wage
Hourly wage × Hours worked per day × Days worked per week × Weeks worked per year = Your weekly paycheck
- Annual salary
- Work out your total federal income tax
- Gross income adjusted
Gross income − Pre-tax deductions = Gross income adjusted - Federal taxable income
Gross income adjusted − Federal standard/itemized deductions = Federal taxable income - Federal income tax liability
Federal taxable income × Federal income tax rate = Federal income tax liability - Federal payroll tax liability
Gross income adjusted × Federal payroll tax rate = Federal payroll tax liability
- Gross income adjusted
- Calculate your total New York state income tax
- State taxable income
Gross income adjusted − (State standard/itemized deductions + State exemptions) = State taxable income - State income tax liability
State taxable income × State income tax rate = State income tax liability - State payroll tax liability
Gross income adjusted × State payroll tax rate = State payroll tax liability
- State taxable income
- Derive your local income tax liability
(Gross income adjusted or State taxable income) × Local income tax rate = Local income tax liability - Figure out your net pay
You need to account for any other deductions such as health insurance, 401(k) contribution, as well as additional withholdings.
Gross income − (Total income tax liability + Total payroll tax liability + Total pre-tax deductions + Total post-tax deductions + Total withholdings) = Your net pay - Divide your net pay by your pay frequency
- Daily
Your net pay / Days worked per week / Weeks worked per year = Your daily paycheck - Weekly
Your net pay / 52 = Your weekly paycheck - Bi-weekly
Your net pay / 26 = Your bi-weekly paycheck - Semi-monthly
Your net pay / 24 = Your semi-monthly paycheck - Monthly
Your net pay / 12 = Your monthly paycheck - Quarterly
Your net pay / 4 = Your quarterly paycheck - Semi-annual
Your net pay / 2 = Your semi-annual paycheck - Annual
Your net pay = Your annual paycheck
- Daily
State payroll tax
One of the few states that have payroll tax is New York. Therefore, your paycheck will have federal FICA and state insurance taxes deductions.
| Tax year | Tax name | Percent of taxable wage | Up to taxable wage | Comments |
|---|---|---|---|---|
| 2024 | State Disability Insurance (SDI) | 0.5% | up to: $0.14 daily $0.60 weekly $1.20 biweekly $1.30 semi-monthly $2.60 monthly ($31.20 annually) | |
| Paid Family and Medical Leave (PFML) | 0.455% | $1,718.15 weekly $89,343.80 per annual | maximum of $333.25 per year | |
| 2023 | State Disability Insurance (SDI) | 0.5% | up to: $0.14 daily $0.60 weekly $1.20 biweekly $1.30 semi-monthly $2.60 monthly ($31.20 annually) | |
| Paid Family and Medical Leave (PFML) | 0.455% | $1,688.19 weekly $87,785.88 per annual | maximum of $399.43 per year | |
| 2022 | State Disability Insurance (SDI) | 0.5% | up to: $0.14 daily $0.60 weekly $1.20 biweekly $1.30 semi-monthly $2.60 monthly ($31.20 annually) | |
| Paid Family and Medical Leave (PFML) | 0.511% | $1,594.57 weekly $82,917.64 per annual | maximum of $423.71 per year | |
| 2021 | State Disability Insurance (SDI) | 0.5% | up to: $0.14 daily $0.60 weekly $1.20 biweekly $1.30 semi-monthly $2.60 monthly ($31.20 annually) | |
| Paid Family and Medical Leave (PFML) | 0.511% | $1,450.17 weekly $75,408.84 per annual | maximum of $385.34 per year | |
| 2020 | State Disability Insurance (SDI) | 0.5% | up to: $0.14 daily $0.60 weekly $1.20 biweekly $1.30 semi-monthly $2.60 monthly ($31.20 annually) | |
| Paid Family and Medical Leave (PFML) | 0.27% | $1,401.17 weekly $72,860.84 per annual | maximum of $196.72 per year |
State income tax brackets
New York’s income tax is relatively progressive, which helps maintain the state’s competitive edge.
Refer to Tax Foundation for more details.
| Tax year | Filing status | Taxable income | Rate |
|---|---|---|---|
| 2024 2023 | Single Married, Filing Separately | $0 – $8,500 | 4.00% |
| $8,500 - $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $80,650 | 5.50% | ||
| $80,650 – $215,400 | 6.00% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550 – $5,000,000 | 9.65% | ||
| $5,000,000 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Married, Filing Jointly or Widow(er) | $0 – $17,150 | 4.00% | |
| $17,150 – $23,600 | 4.50% | ||
| $23,600 – $27,900 | 5.25% | ||
| $27,900 – $161,550 | 5.50% | ||
| $161,550 – $323,200 | 6.00% | ||
| $323,200 – $2,155,350 | 6.85% | ||
| $2,155,350 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Head of Household | $0 – $12,800 | 4.00% | |
| $12,800 – $17,650 | 4.50% | ||
| $17,650 – $20,900 | 5.25% | ||
| $20,900 – $107,650 | 5.50% | ||
| $107,650 – $269,300 | 6.00% | ||
| $269,300 – $1,616,450 | 6.85% | ||
| $1,616,450 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| 2022 | Single | $0 – $8,500 | 4.00% |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $80,650 | 5.85% | ||
| $80,650 – $215,400 | 6.25% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550 – $5,000,000 | 9.65% | ||
| $5,000,000 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Married, Filing Jointly or Widow(er) | $0 – $17,150 | 4.00% | |
| $17,150 – $23,600 | 4.50% | ||
| $23,600 – $27,900 | 5.25% | ||
| $27,900 – $161,550 | 5.85% | ||
| $161,550 – $323,200 | 6.25% | ||
| $323,200 – $2,155,350 | 6.85% | ||
| $2,155,350 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Married, Filing Separately | $0 – $8,500 | 4.00% | |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $80,650 | 5.85% | ||
| $80,650 – $215,400 | 6.25% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Head of Household | $0 – $12,800 | 4.00% | |
| $12,800 – $17,650 | 4.50% | ||
| $17,650 – $20,900 | 5.25% | ||
| $20,900 – $107,650 | 5.85% | ||
| $107,650 – $269,300 | 6.25% | ||
| $269,300 – $1,616,450 | 6.85% | ||
| $1,616,450 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| 2021 | Single | $0 – $8,500 | 4.00% |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550 – $5,000,000 | 9.65% | ||
| $5,000,000 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Married, Filing Jointly or Widow(er) | $0 – $17,150 | 4.00% | |
| $17,150 – $23,600 | 4.50% | ||
| $23,600 – $27,900 | 5.25% | ||
| $27,900 – $43,000 | 5.90% | ||
| $43,000 – $161,550 | 6.21% | ||
| $161,550 – $323,200 | 6.49% | ||
| $323,200 – $2,155,350 | 6.85% | ||
| $2,155,350 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Married, Filing Separately | $0 – $8,500 | 4.00% | |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| Head of Household | $0 – $12,800 | 4.00% | |
| $12,800 – $17,650 | 4.50% | ||
| $17,650 – $20,900 | 5.25% | ||
| $20,900 – $32,200 | 5.90% | ||
| $32,200 – $107,650 | 6.21% | ||
| $107,650 – $269,300 | 6.49% | ||
| $269,300 – $1,616,450 | 6.85% | ||
| $1,616,450 – $5,000,000 | 9.65% | ||
| $5,000,001 – $25,000,000 | 10.30% | ||
| $25,000,000+ | 10.90% | ||
| 2020 | Single | $0 – $8,500 | 4.00% |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550+ | 8.82% | ||
| Married, Filing Jointly or Widow(er) | $0 – $17,150 | 4.00% | |
| $17,150 – $23,600 | 4.50% | ||
| $23,600 – $27,900 | 5.25% | ||
| $27,900 – $43,000 | 5.90% | ||
| $43,000 – $161,550 | 6.21% | ||
| $161,550 – $323,200 | 6.49% | ||
| $323,200 – $2,155,350 | 6.85% | ||
| $2,155,350+ | 8.82% | ||
| Married, Filing Separately | $0 – $8,500 | 4.00% | |
| $8,500 – $11,700 | 4.50% | ||
| $11,700 – $13,900 | 5.25% | ||
| $13,900 – $21,400 | 5.90% | ||
| $21,400 – $80,650 | 6.21% | ||
| $80,650 – $215,400 | 6.49% | ||
| $215,400 – $1,077,550 | 6.85% | ||
| $1,077,550+ | 8.82% | ||
| Head of Household | $0 – $12,800 | 4.00% | |
| $12,800 – $17,650 | 4.50% | ||
| $17,650 – $20,900 | 5.25% | ||
| $20,900 – $32,200 | 5.90% | ||
| $32,200 – $107,650 | 6.21% | ||
| $107,650 – $269,300 | 6.49% | ||
| $269,300 – $1,616,450 | 6.85% | ||
| $1,616,450+ | 8.82% |
Tax benefit recapture
In New York state, high-income earners in their respective tax brackets are subject to “tax benefit recapture.” This calculation is based on both the state adjusted gross income (AGI) and state taxable income.
| Tax year | Filing status | Taxable income | Recapture Amount | Incremental Benefit | NY state AGI minus | Phase-in numerator | Comment | |
|---|---|---|---|---|---|---|---|---|
| More than | Equal or less than | |||||||
| 2024 2023 | Single Married, Filing Separately | $80,650 | 6% of state tax liability | |||||
| $80,650 | $215,400 | $0 | $568 | $107,650 | $50,000 | |||
| $215,400 | $1,077,550 | $568 | $1,831 | $215,400 | $50,000 | |||
| $1,077,550 | $5,000,000 | $2,399 | $30,172 | $1,077,550 | $50,000 | |||
| $5,000,000 | $25,000,000 | $32,571 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| Married, Filing Jointly or Widow(er) | $27,900 | 5.55% of state tax liability | ||||||
| $27,900 | $161,550 | $0 | $333 | $107,650 | $50,000 | |||
| $161,550 | $323,200 | $333 | $807 | $161,550 | $50,000 | |||
| $323,200 | $2,155,350 | $1,140 | $2,747 | $323,200 | $50,000 | |||
| $2,155,350 | $5,000,000 | $3,887 | $60,350 | $2,155,350 | $50,000 | |||
| $5,000,000 | $25,000,000 | $64,237 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| Head of Household | $107,650 | 6% of state tax liability | ||||||
| $107,650 | $269,300 | $0 | $787 | $107,650 | $50,000 | |||
| $269,300 | $1,616,450 | $787 | $2,289 | $269,300 | $50,000 | |||
| $1,616,450 | $5,000,000 | $3,076 | $45,261 | $1,616,450 | $50,000 | |||
| $5,000,000 | $25,000,000 | $48,337 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| 2022 | Single Married, Filing Separately | $80,650 | 6.33% of state tax liability | |||||
| $80,650 | $215,400 | $0 | $536 | $107,650 | $50,000 | |||
| $215,400 | $1,077,550 | $536 | $1,293 | $215,400 | $50,000 | |||
| $1,077,550 | $5,000,000 | $1,829 | $30,171 | $1,077,550 | $50,000 | |||
| $5,000,000 | $25,000,000 | $32,000 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| Married, Filing Jointly or Widow(er) | $27,900 | 5.97% of state tax liability | ||||||
| $27,900 | $161,550 | $0 | $430 | $107,650 | $50,000 | |||
| $161,550 | $323,200 | $430 | $646 | $161,550 | $50,000 | |||
| $323,200 | $2,155,350 | $1,076 | $1,940 | $323,200 | $50,000 | |||
| $2,155,350 | $5,000,000 | $3,016 | $60,349 | $2,155,350 | $50,000 | |||
| $5,000,000 | $25,000,000 | $63,365 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| Head of Household | $107,650 | 6.33% of state tax liability | ||||||
| $107,650 | $269,300 | $0 | $752 | $107,650 | $50,000 | |||
| $269,300 | $1,616,450 | $752 | $1,616 | $269,300 | $50,000 | |||
| $1,616,450 | $5,000,000 | $2,368 | $45,261 | $1,616,450 | $50,000 | |||
| $5,000,000 | $25,000,000 | $47,629 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| 2021 | Single Married, Filing Separately | $80,650 | 6.33% of state tax liability | |||||
| $80,650 | $215,400 | $0 | $526 | $107,650 | $50,000 | |||
| $215,400 | $1,077,550 | $526 | $1,120 | $215,400 | $50,000 | |||
| $1,077,550 | $5,000,000 | $1,646 | $30,171 | $1,077,550 | $50,000 | |||
| $5,000,000 | $25,000,000 | $31,817 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| Married, Filing Jointly or Widow(er) | $43,000 | 5.97% of state tax liability | ||||||
| $43,000 | $161,550 | $0 | $474 | $107,650 | $50,000 | |||
| $161,550 | $323,200 | $474 | $582 | $161,550 | $50,000 | |||
| $323,200 | $2,155,350 | $1,056 | $1,680 | $323,200 | $50,000 | |||
| $2,155,350 | $5,000,000 | $2,736 | $60,350 | $2,155,350 | $50,000 | |||
| $5,000,000 | $25,000,000 | $63,086 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
| Head of Household | $107,650 | 6.33% of state tax liability | ||||||
| $107,650 | $269,300 | $0 | $742 | $107,650 | $50,000 | |||
| $269,300 | $1,616,450 | $742 | $1,401 | $269,300 | $50,000 | |||
| $1,616,450 | $5,000,000 | $2,143 | $45,260 | $1,616,450 | $50,000 | |||
| $5,000,000 | $25,000,000 | $47,403 | $32,500 | $5,000,000 | $50,000 | |||
| $25,000,000 | 10.9% of state tax liability | |||||||
Local income tax
If you live in New York City, you must to pay an additional local income tax. Or you can live outside NYC to avoid tax as more do.
Refer to The Balance for more information.
| City | Tax year | Filing status | Taxable income | Rate |
|---|---|---|---|---|
| New York City | 2023 2022 2021 2020 | Single | $0 – $12,000 | 3.078% |
| $12,000 – $25,000 | 3.762% | |||
| $25,000 – $50,000 | 3.819% | |||
| $50,000+ | 3.876% | |||
| Married, Filing Jointly or Widow(er) | $0 – $21,600 | 3.078% | ||
| $21,600 – $45,000 | 3.762% | |||
| $45,000 – $90,000 | 3.819% | |||
| $90,000+ | 3.876% | |||
| Married, Filing Separately | $0 – $12,000 | 3.078% | ||
| $12,000 – $25,000 | 3.762% | |||
| $25,000 – $50,000 | 3.819% | |||
| $50,000+ | 3.876% | |||
| Head of Household | $0 – $14,400 | 3.078% | ||
| $14,400 – $30,000 | 3.762% | |||
| $30,000 – $60,000 | 3.819% | |||
| $60,000+ | 3.876% |
State standard deduction
You can claim the standard deduction in New York state. For more information, refer to Tax Foundation.
| Tax year | Filing status | Standard deduction amount |
|---|---|---|
| 2024 2023 2022 2021 2020 | Single Married, Filing Separately | $8,000 |
| Married, Filing Jointly or Widow(er) | $16,050 | |
| Head of Household | $11,200 |
State exemptions
You can claim $1000 for each dependent. Refer to Tax Foundation for more details.
| Tax year | Filing status | Exemption amount |
|---|---|---|
| 2024 2023 2022 2021 2020 | Dependent(s) | $1,000 |
FAQs
What taxes do New Yorkers pay?
Residents of New York state are subjected to income tax (4% to 10.9%) and state payroll taxes such as Disability Insurance (SDI) and Paid Family and Medical Leave (PFML). If you live in New York City, you must also pay the local income tax (3.08% to 3.88%).
How much do you make after taxes in New York state?
For a single filer living in New York City with an annual income of $65,000, the yearly take-home pay after income taxes is $47,906.32. If he lives in another city in New York, the yearly post-tax take-home pay is $49,991.32.
For a married filer with a combined annual income of $130,000 in New York City, the yearly combined take-home pay after income taxes is $96,163.74. If they live in another city in New York state, the combined annual post-tax take-home pay is $100,357.12.
How much taxes are deducted from a $65,000 paycheck in New York State?
The total taxes deducted for a single filer living in New York City are $1424.47 monthly or $657.45 bi-weekly. If he lives elsewhere in the state, the total taxes will be $1250.72 monthly or $577.26 bi-weekly.
